Financing a Big O Tires with an SBA loan
Since FY2020, 30 Big O Tires locations changed hands on an SBA 7(a) loan. Here is what those deals looked like, which lenders wrote them, and where the brand stands with the SBA.
Big O Tires franchising: bigofranchise.com
What a lender sees
Big O Tires is an established brand in the SBA loan file: 30 acquisitions cleared underwriting in the last five years. At the $1,095,200 median loan, a standard 7(a) structure puts roughly $109,520 of buyer equity into the deal at the 10 percent minimum injection, with the rest financed over ten years. The 8.25 percent median rate is the number to model your payment against.
Lenders that actually write these
The banks below approved the most Big O Tires acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.
- Live Oak Banking Company12 Big O Tires loans
- United Business Bank3 Big O Tires loans
- Bank of Utah2 Big O Tires loans
- Citizens Bank2 Big O Tires loans
- Exchange Bank2 Big O Tires loans
SBA conditions on this brand
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease Rider and Modification may not be executed. The Option and Shop Lease Agreement may not be exeucted for SBA Loans.
Every franchise the SBA will finance carries an entry in its directory, and some carry conditions like this one about how the real estate and the lease may be held. A lender has to clear these before funding, so they are worth reading before you make an offer.
Loan counts, median size, median rate, and lender ranking are computed from the SBA 7(a) FOIA file, change of ownership approvals, FY2025 to FY2026 Q3, as of June 30, 2026. Eligibility, the identifier code, and any conditions are from the SBA Franchise Directory, effective August 11, 2026. We are not affiliated with Big O Tires or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.